Blog

Bank loyalty can cost existing borrowers: ACCC report

Bank loyalty can cost existing borrowers: ACCC report

Loyalty is an admiral trait when it comes to our friends, family and loved ones. But if you’re extending that virtue to the banks, then there’s a good chance it’s costing you thousands of dollars.
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Making the most of the instant asset write-off before the EOFY deadline

Making the most of the instant asset write-off before the EOFY deadline

Two months and counting (down). That’s how long your business has to make use of the $150,000 instant asset write off before the end-of-financial-year June 30 deadline.
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Is now a good time to lock in a fixed rate?

Is now a good time to lock in a fixed rate?

With interest rates at record low levels, today we’ll look at a question that many are asking: should I lock in a fixed rate home loan?
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The big questions we’re receiving from first home buyers

The big questions we’re receiving from first home buyers

It’s fair to say it’s an unusual time to be a first home buyer. But there are still opportunities out there for those whose jobs haven’t been affected by COVID-19. 
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What is the Coronavirus SME Loan Guarantee Scheme?

What is the Coronavirus SME Loan Guarantee Scheme?

SME businesses in need of working capital due to the coronavirus outbreak can now access unsecured loans “more cheaply and more freely” than ordinary business loans.
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4 ways we can make your life easier right now

4 ways we can make your life easier right now

You don’t need us to tell you how much the world has changed - there’s been no shortage of news bulletins updating you on that. So rather than telling you about more changes, today we’re going to explain how we can help.
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5 reasons it’s a good time to refinance

5 reasons it’s a good time to refinance

Found yourself with extra time on your hands? Slightly worried about meeting your home loan repayments? Want to make use of those back-to-back rate cuts? While the world has changed significantly over the past month, it’s possible to use some changes to your advantage.
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Further protections for businesses: loan deferral scheme extended

Further protections for businesses: loan deferral scheme extended

Here's some promising news for big and small businesses alike: six-month loan deferrals are now available to larger businesses on the condition that they don’t terminate leases or evict tenants for falling behind on their rent due to COVID-19.
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Need to pause your mortgage repayments? Here are the banks’ deferral policies

Need to pause your mortgage repayments? Here are the banks’ deferral policies

This is one article we hope you never have to read. But if COVID-19 has impacted your income to the point where you may need to pause your mortgage repayments, then we’ve broken down the banks’ deferral policies for you.
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Loan repayments deferred six months for small businesses affected by COVID-19

Loan repayments deferred six months for small businesses affected by COVID-19

If your small business is being affected by the coronavirus your loan repayments will be deferred for six months, says the Australian Banking Association (ABA).
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RBA cuts cash rate to record low 0.25% amid COVID-19 outbreak

RBA cuts cash rate to record low 0.25% amid COVID-19 outbreak

The Reserve Bank of Australia (RBA) has cut the cash rate to a record low of 0.25% following an emergency meeting due to the impact the coronavirus is having on the economy.
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Homeowners impacted by COVID-19 encouraged to contact lender

Homeowners impacted by COVID-19 encouraged to contact lender

Homeowners who have had their income impacted by the coronavirus outbreak are being encouraged to seek out hardship options with their lender.
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The coronavirus economic stimulus plan for SMEs explained

The coronavirus economic stimulus plan for SMEs explained

Small businesses all around the world are facing uncertain times. However, rather than shutting up shop until COVID-19 passes, the federal government is hoping to stimulate SME spending through a raft of initiatives and tax incentives.
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First home buyer numbers spike to 10 year high

First home buyer numbers spike to 10 year high

First home buyers are throwing themselves into the property market in numbers not seen since 2009.
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SME owners impacted by coronavirus urged to contact creditors

SME owners impacted by coronavirus urged to contact creditors

SME owners concerned about the coronavirus outbreak impacting their cash flow are being urged to talk to their creditors as soon as possible.
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RBA cuts cash rate to record low amid coronavirus concerns

RBA cuts cash rate to record low amid coronavirus concerns

The Reserve Bank of Australia (RBA) has cut the official cash rate by 25 basis points to a new record low of 0.50% as the coronavirus outbreak impacts global financial markets.
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Employers granted one-off super amnesty

Employers granted one-off super amnesty

Employers who have underpaid their staff superannuation have been granted a one-off amnesty to make things right, but that doesn’t mean they’re completely ‘off the hook’.
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How long does it take to find and secure your dream home?

How long does it take to find and secure your dream home?

It takes most first home buyers longer than a full working week to house hunt and apply for finance for their 'dream' property, according to new research.
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Downsizers tipped to be a ‘powerful force’ in 2020

Downsizers tipped to be a ‘powerful force’ in 2020

Downsizers are tipped to take advantage of ‘the perfect storm’ and get the most out of the property market this year, predicts the national body representing professional buyers’ agents.
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Are you being stung by the loyalty tax?

Are you being stung by the loyalty tax?

Once upon a time you were rewarded for loyalty. But borrowers with older mortgages are typically paying a higher interest rate than customers on new loans, confirms the RBA.
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Paul Cluff and PCFC Group Pty Ltd, ACN 615 084 243, ATF The PCFC Group Trust ABN 56 993 890 932 trading as MoneySmith Financial.

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AUTHORISED REPRESENTATIVE

Paul Cluff Credit Representative Number 383304 and Skyeblu Pty Ltd, ACN 108 370 341, trading as Moneysmith Australia.

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Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.